System, method, and apparatus for locating a bluetooth enabled transaction card

ABSTRACT

A system for transmitting and receiving proximity data associated with a transaction card may include a Bluetooth-enabled microchip transaction card, an account provider system, and a mobile device. When a user device and a card are paired, the user device may receive a notification when the card is outside of a specified distance from the user device. A user device may be connected to a Bluetooth mesh network, connecting the user device to a number of Bluetooth enabled devices such that when the transaction card is outside of a specified distance of the mesh network, the user device may receive an alert. When a user receives an alert that the card is outside of a specified distance from the user device, the user device may be used to relay to the user whether the user is moving in a direction closer or farther from the card.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application contains subject matter related to and claims thebenefit of U.S. Provisional Patent Application No. 62/095,190, filed onDec. 22, 2014, the entire contents of which is incorporated herein byreference.

FIELD OF THE DISCLOSURE

The present disclosure relates to a systems, methods, and apparatus forusing a bluetooth connection status to locate and control aspects of aBluetooth-enabled card, such as a transaction card and the like.

BACKGROUND OF THE DISCLOSURE

Misplacing or losing a card, such as a transaction card or a fare cantresults in the requirement of a new card. Additionally, when a card hasbeen misplaced or lost, the account associated with the card is subjectto being fraudulently used by individuals other than the card holder.

Moreover, searching for a transaction card when it has been misplacedcan be an arduous task. These and other drawbacks exist.

SUMMARY OF THE DISCLOSURE

Various embodiments of the present disclosure provide systems, methods,and apparatus for locating a Bluetooth-enabled card, such as atransaction card and the like. In an exemplary embodiment, a system forlocating a Bluetooth-enabled card may include a transaction cardincluding Bluetooth input/output, such as a Bluetooth module or chipset,an account provider system, and a mobile device, such as a smartphone,tablet, phablet, laptop, or the like. A card may include an embeddedmicroprocessor chip, or integrated circuit (IC), housing various modulesto provide card capabilities, such as transaction capabilities, securitycapabilities, and location capabilities. An account provider system mayinclude a number of servers and computers, each equipped with storageand modules programmed with various capabilities, such as, storingcardholder data, transaction processing, and/or transaction cardlocation tracking data, such as data that provides a proximity of thecard to a user device. A user device may include various hardware andsoftware components, such as a Near Field Communication (NFC) hardwareand software components, Bluetooth input/output hardware and software,and one or more processors, various input/output interfaces, and/ormodules, such as transaction processing modules and transaction cardresetting modules. Each component of the system may communicate witheach other in order to locate the card and/or determine that the card isproximate to another device. A card, as discussed herein, may include atransaction card, such as a debit card, a credit card, a pre-paid card,and the like; a fare card, such as a subway or metro card; a membershipcard; a loyalty card; and/or any other type of physical card held by anaccount holder.

A card may be located for various security reasons. For example, a cardholder may use a transaction card at a store and leave the transactioncard behind or a fare card may be used and accidentally dropped. Anaccount holder may also possess a Bluetooth-enabled device, such as asmartphone, tablet, or the like. When the user's Bluetooth-enableddevice and the Bluetooth-enabled card are linked, the card may belocated using a user device. A Bluetooth-enabled device may include thecapabilities to establish a link between a card and the device usingdevice settings (e.g., iOS or Android settings that manage Bluetoothconnections) and/or mobile application(s) associated with the cardissuer that can cooperate with the device controls to manage a Bluetoothconnection with the card. As used herein, locating a card may includedetermining that the card is within/or outside of a certain distanceand/or determining whether a user device is moving in a direction nearthe card.

For example, when a user device and a card are paired, the user devicemay receive a notification when the card is outside of a specifieddistance from the user device. Also, a user device may be connected to aBluetooth mesh network, connecting the user device to a number ofBluetooth enabled devices such that when the transaction card is outsideof a specified distance of the mesh network, the user device may receivean alert. Further, when a user receives an alert that the card isoutside of a specified distance from the user device, the user devicemay be used to relay to the user whether the user is moving in adirection closer or farther from the card.

If a user is unable to locate the card, such as if a card were stolen orsimply unlocateable, the user may be able to instruct an accountprovider to disable the card. Moreover, the card may include a dynamicdisplay, such that when it is outside a predetermined range, the carddisplays a “lost mode” message, such as “Lost Card. Please Contact (555)555-1234.

Bluetooth technologies include various hardware and software componentsthat use Bluetooth, or a wireless technology standard for exchangingdata over short distances. Bluetooth technology may include technologyto transmit data using packets, such that each packed is transmittedover a Bluetooth channel. For example, a Bluetooth channel may have abandwidth of 1 MHz or 2 MHz with the number of channels being 79 or 40,respectively. Hardware that may be included in Bluetooth technologyincludes a Bluetooth module or chipset with a Bluetooth transceiver, achip, and an antenna. The transceiver may transmit and receiveinformation via the antenna and an interface. The chip may include amicroprocessor that stores and processes information specific to apiconet and provides device control functionality. Device controlfunctionality may include connection creation, frequency-hoppingsequence selection and timing, power control, security control, polling,packet processing, and the like. Accordingly, a card holder may locate acard when the card and a user device are paired and part of a piconet.

For additional security, an application may be added to a user device inorder to access card location functionality. For example, a locationservice may be included and require user authentication before a card ispaired to the user device and/or proximity data is received and/ortransmitted. User authentication may include, for example, a password,PIN, and/or biometric data (fingerprint, facial recognition, and thelike).

According to an example embodiment, a user device may include aninput/output interface having an antenna component that is paired to aBluetooth-enabled transaction card and receives proximity data from thetransaction card via Bluetooth network, and a processor that generates anotification to alert a user that the proximity data received from thetransaction card indicates that the transaction card is greater than aspecified distance from the user device, wherein input/output interfacereceives a response from the user based on the notification, wherein theprocessor performs at least one of the following based on the response:generates deactivation data associated with the transaction card andtransmits the deactivation data using the input/output interface to anaccount provider system; generates an override alert associated with thetransaction card and transmits the override alert using the input/outputinterface to an account provider system; generates a report includingthe proximity data received from the transaction card and GPS datareceived via a GPS component on the user device; and generatesuser-specified transaction card display data and transmits thetransaction card display data using the input/output interface to thetransaction card to display on a dynamic display. An account providersystem may manage the account associated with the transaction card andparticipate in transaction authorization associated with the transactioncard.

Proximity data may include Bluetooth low energy (BLE) data received viaa Bluetooth network. Proximity data may include, for example, theexistence of a connection, signal strength associated with a connection,response time data, and/or a combination of any of the above. Thespecified distance may be user-specified, wherein a user specified thedistance using a user device input/output interface, such as atouchscreen or a keyboard. The specified distance may be accountprovider-specified and may be determined by and/or received from anaccount provider system. The specified distance may be specified by aBluetooth or BLE standard.

A notification may be received and/or generated. A notification may bereceived via a network and may include, for example, a pushnotification, a text message, a voice message, and/or a vibrationnotification. The user device may also include a receiver to receivedata, such as location data, that may be used to generate location-baseddata. Location data and/or location-based data may include, for example,global positioning system (GPS) data, radio signal data,electro-magnetic data, IP address data, and/or any combination of theabove.

Deactivation data may include, for example, a transaction card number,deactivation time, deactivation date, account holder name, location dataassociated with the user device, and/or any combination of the above. Anoverride alert may include, for example, a transaction card number,time, date, account holder name, location data associated with the userdevice, and/or any combination of the above.

The user device may also include a display to display a generated reportin a map format mapping GPS data associated with the user device. Atransaction card may also include a display to display, for example, anaccount holder name, an account holder contact phone number, adeactivation message, and/or any combination of the above.

In an example embodiment, a transaction card may include aBluetooth-enabled transaction card having a microprocessor chip storingtransaction card data and an antenna connected to the microprocessorchip, where the antenna: receives a pairing attempt from a user deviceover a Bluetooth network; establishes a Bluetooth connection with theuser device; receives a request for proximity data from the user device;transmits the proximity data to the user device in response to therequest; and receives an deactivation response from the user deviceindicating that the transaction card is deactivated. The transactioncard may use, for example. Bluetooth low energy (BLE).

Proximity data may include, for example, an existence of a connection,signal strength associated with the connection, response time data,and/or any combination of the above. Transaction card data may include,for example, an account holder name, an account holder identifier, anaccount number, an account balance, a transaction history, an accountholder contact telephone number, and/or any combination of the above. Arequest for location data may be received from the user device atpredefined intervals. Proximity data may be transmitted from thetransaction card a predefined intervals. Proximity data may betransmitted only upon receipt of the request for proximity data from theuser device.

A transaction card may also comprise a display to display deactivationdata. Deactivation data may include, for example, an account holdername, an account holder contact phone number, a deactivation message,and/or any of the above.

BRIEF DESCRIPTION OF THE DRAWINGS

Various embodiments of the present disclosure, together with furtherobjects and advantages, may best be understood by reference to thefollowing description taken in conjunction with the accompanyingdrawings, in the several Figures of which like reference numeralsidentify like elements, and in which:

FIG. 1 depicts an example embodiment of a system for locating aBluetooth-enabled card according to embodiments of the disclosure;

FIG. 2 depicts an example embodiment of a system for locating aBluetooth-enabled card according to embodiments of the disclosure;

FIG. 3 depicts an example method for locating a Bluetooth-enabled cardaccording to embodiments of the disclosure;

FIG. 4 depicts an example card-device linking system according toembodiments of the disclosure

FIG. 5 depicts an example embodiment of a system and method forinitiating a connection between a device and card and the respectivelink layers;

FIG. 6 depicts an example embodiment of a system and method forinitiating a connection between a device and card and the respectivelink layers; and

FIG. 7 depicts an example embodiment of a system and method for sendingdata between a device and card and the respective link layers.

DETAILED DESCRIPTION OF THE EMBODIMENTS

The following description is intended to convey a thorough understandingof the embodiments described by providing a number of specific exampleembodiments and details involving systems, methods, and devices forlocating a Bluetooth-enabled transaction card. It should be appreciated,however, that the present disclosure is not limited to these specificembodiments and details, which are examples only. It is furtherunderstood that one possessing ordinary skill in the art, in light ofknown systems and methods, would appreciate the use of the invention forits intended purposes and benefits in any number of alternativeembodiments, depending on specific design and other needs. A financialinstitution and system supporting a financial institution are used asexamples for the disclosure. The disclosure is not intended to belimited to financial institutions only. For example, many other accountproviders may exist, such as retail stores, loyalty programs, membershipprograms, transportation providers (e.g., a fare card), a housingprovider, and the like.

Additionally, a transaction card is used as an example of aBluetooth-enabled card. A transaction card may include any type ofBluetooth-enabled card used in any type of transaction, including, forexample, debit cards, credit cards, pre-paid cards, cards used intransportation systems, membership programs, loyalty programs, hotelsystems, and the like. The use of “mobile device” in the examplesthroughout this application is only by way of example, and locating aBluetooth-enabled card may also be used with personal computers, tablet,gaming system, television, or any other device capable of locating aBluetooth-enabled transaction card.

According to the various embodiments of the present disclosure, systems,methods, and devices are provided to locate a Bluetooth-enabledtransaction card. Such embodiments may provide, for example,notifications and alerts to a user device when a transaction card isoutside of a specified distance from the transaction card. Notificationsand alerts may be provided in the form of a push notification, a text, avoice message, and/or application notification such as those associatedwith mobile banking applications. In various embodiments, locating atransaction card could be provided with the assistance of a networkenvironment, such as a Bluetooth network and/or a Bluetooth mesh networkenvironment.

In various embodiments, locating a transaction card and/or determiningthe proximity of the transaction card to a paired device could beprovided with the assistance of a networked environment, such as acellular or Internet network, whereby, for example, a mobile device suchas a smartphone could transmit indication of a lost or stolen card basedon a received notification of a card being outside a specified range toan account provider via a communication network.

FIG. 1 depicts an example system 100 for use with the system and devicesfor locating a Bluetooth-enabled transaction card. As shown in FIG. 1,an example system 100 may include one or more Bluetooth-enabledtransaction cards 120, one or more account provider systems 130, one ormore user devices 140, and one or more merchant systems 150 connectedover one or more networks 110.

For example, network 110 may be one or more of a wireless network, awired network or any combination of wireless network and wired network.For example, network 110 may include one or more of a fiber opticsnetwork, a passive optical network, a cable network, an Internetnetwork, a satellite network, a wireless LAN, a Global System for MobileCommunication (“GSM”), a Personal Communication Service (“PCS”), aPersonal Area Network (“PAN”), Wireless Application Protocol (WAP),Multimedia Messaging Service (MMS), Enhanced Messaging Service (EMS),Short Message Service (SMS), Time Division Multiplexing (TDM) basedsystems, Code Division Multiple Access (CDMA) based systems, D-AMPS,Wi-Fi, Fixed Wireless Data, IEEE 802.11b, 802.15.1, 802.11n and 802.11g,a Bluetooth network, or any other wired or wireless network fortransmitting and receiving a data signal.

In addition, network 110 may include, without limitation, telephonelines, fiber optics, IEEE Ethernet 902.3, a wide area network (“WAN”), alocal area network (“LAN”), a wireless personal area network (“WPAN”),or a global network such as the Internet. Also network 110 may supportan Internet network, a wireless communication network, a cellularnetwork, or the like, or any combination thereof. Network 110 mayfurther include one network, or any number of the example types ofnetworks mentioned above, operating as a stand-alone network or incooperation with each other. Network 110 may utilize one or moreprotocols of one or more network elements to which they arecommunicatively coupled. Network 110 may translate to or from otherprotocols to one or more protocols of network devices. Although network110 is depicted as a single network, it should be appreciated thataccording to one or more embodiments, network 110 may comprise aplurality of interconnected networks, such as, for example, theInternet, a service provider's network, a cable television network,corporate networks, and home networks.

Account provider system 130, user device 140, and/or merchant system 150may include, for example, one or more mobile devices, such as, forexample, personal digital assistants (PDA), tablet computers and/orelectronic readers (e.g., iPad, Kindle Fire, Playbook, Touchpad, etc.),wearable devices (e.g., Google Glass), telephony devices, smartphones,cameras, music playing devices (e.g., iPod, etc.), televisions,set-top-box devices, and the like.

Account provider system 130, user device 140, and/or merchant system 150also may include a network-enabled computer system and/or device. Asreferred to herein, a network-enabled computer system and/or device mayinclude, but is not limited to: e.g., any computer device, orcommunications device including, e.g., a server, a network appliance, apersonal computer (PC), a workstation, a mobile device, a phone, ahandheld PC, a personal digital assistant (PDA), a thin client, a fatclient, an Internet browser, or other device. The network-enabledcomputer systems may execute one or more software applications to, forexample, receive data as input from an entity accessing thenetwork-enabled computer system, process received data, transmit dataover a network, and receive data over a network.

Account provider system 130, user device 140, and/or merchant system 150may include at least one central processing unit (CPU), which may beconfigured to execute computer program instructions to perform variousprocesses and methods. Account provider system 130, user device 140,and/or merchant system 150 may include data storage, including forexample, random access memory (RAM) and read only memory (ROM), whichmay be configured to access and store data and information and computerprogram instructions. Data storage may also include storage media orother suitable type of memory (e.g., such as, for example, RAM, ROM,programmable read-only memory (PROM), erasable programmable read-onlymemory (EPROM), electrically erasable programmable read-only memory(EEPROM), magnetic disks, optical disks, floppy disks, hard disks,removable cartridges, flash drives, any type of tangible andnon-transitory storage medium), where the files that comprise anoperating system, application programs including, for example, webbrowser application, email application and/or other applications, anddata files may be stored. The data storage of the network-enabledcomputer systems may include electronic information, files, anddocuments stored in various ways, including, for example, a flat file,indexed file, hierarchical database, relational database, such as adatabase created and maintained with software from, for example, Oracle®Corporation, Microsoft® Excel file, Microsoft® Access file, or any otherstorage mechanism.

Account provider system 130, user device 140, and/or merchant system 150may further include, for example, a processor, which may be severalprocessors, a single processor, or a single device having multipleprocessors. Although depicted as single elements, it should beappreciated that according to one or more embodiments, account providersystem 130, user device 140, and/or merchant system 150 may comprise aplurality of account provider systems 130, user devices 140, and/ormerchant systems 150.

Account provider system 130, user device 140, and/or merchant system 150may further include data storage. The data storage may includeelectronic information, files, and documents stored in various ways,including, for example, a flat file, indexed file, hierarchicaldatabase, relational database, such as a database created and maintainedwith software from, for example, Oracle® Corporation, Microsoft® Excelfile, Microsoft® Access file, or any other storage mechanism.

As shown in FIG. 1, each account provider system 130, user device 140,and/or merchant system 150 may include various components. As usedherein, the term “component” may be understood to refer to computerexecutable software, firmware, hardware, and/or various combinationsthereof. It is noted there where a component is a software and/orfirmware component, the component is configured to affect the hardwareelements of an associated system. It is further noted that thecomponents shown and described herein are intended as examples. Thecomponents may be combined, integrated, separated, or duplicated tosupport various applications. Also, a function described herein as beingperformed at a particular component may be performed at one or moreother components and by one or more other devices instead of or inaddition to the function performed at the particular component. Further,the components may be implemented across multiple devices or othercomponents local or remote to one another. Additionally, the componentsmay be moved from one device and added to another device, or may beincluded in both devices.

As depicted in FIG. 1, system 100 may include a transaction card 120. Atransaction card may include any transaction card that is Bluetoothenabled using a microprocessor chip 122 and an antenna 124. ABluetooth-enabled transaction card may support Bluetooth Low Energy(BLE). A transaction card may include an Europay MasterCard Visa (EMV)card, a “Chip and PIN” card, and/or a contactless smart card. Amicroprocessor chip 122 embedded in the transaction card 120 may includea number of contacts that may be connected and activated using aninterface device, such as a user device 140. Once paired via Bluetoothnetwork, the transaction card 120 may be in communication with a thirdparty device, such as, for example, the user device 140. Pairing andcommunications may be established between the transaction card 120 andother interfacing devices, such as a terminal (not shown), a merchantsystem 150, and the like. A Bluetooth-enabled device may include thecapabilities to establish a link between a card and the device (or pairthe devices) using device settings (e.g., iOS or Android settings thatmanage Bluetooth connections) and/or mobile application(s) associatedwith the card issuer that can cooperate with the device controls tomanage a Bluetooth connection with the card. After pairing has beenestablished, the location of the transaction card 120 may be determinedusing the user device 140. Location of the transaction card 120 may bebased on data received from the transaction card 120 such as, forexample, proximity data (e.g., existence of a connection, signalstrength associated with the connection, response time data, and thelike). For example, where a user device 140 and the transaction card 120are greater than a specified distance apart from each other, the userdevice 140 may no longer receive connection data associate with thetransaction card 120, may receive poor signal strength data associatedwith the transaction card 120, may receive a specific response timeassociated with a ping to the transaction card 120, and, in response mayreceive and/or generate a notification. The notification may be in theform of, for example, a push notification, a text message, a voicemessage, and the like. In this manner, the transaction card 120 acts asa beacon using a Bluetooth connection to tell the user device 140 aproximate location of the transaction card 120 to the user device 140.

Account provider system 130 may include systems associated with, forexample, a banking service company such as Capital One®, Bank ofAmerica®, Citibank®, Wells Fargo®, Sun Trust, various community banks,and the like, as well as a number of other financial institutions suchas Visa®, MasterCard®, and AmericanExpress® that issue credit and/ordebit cards, for example, as transaction cards. Account provider system130 may include and/or be connected to one or more computer systems andnetworks to process transactions. Account provider system 130 mayinclude systems associated with financial institutions that issuetransaction cards, such as a transaction card 120, and maintains acontract with cardholders for repayment. In various embodiments, anaccount provider system 130 may issue credit, debit, and/or stored valuecards, for example. Account provider system 130 may include, by way ofexample and not limitation, depository institutions (e.g., banks, creditunions, building societies, trust companies, mortgage loan companies,pre-paid gift cards or credit cards, etc.), contractual institutions(e.g., insurance companies, pension funds, mutual funds, etc.),investment institutions (e.g., investment banks, underwriters, brokeragefunds, etc.), and other non-bank financial institutions (e.g., pawnshops or brokers, cashier's check issuers, insurance firms,check-cashing locations, payday lending, currency exchanges, microloanorganizations, crowd-funding or crowd-sourcing entities, third-partypayment processors, etc.).

Account provider system 130 may include an input/output interface 132, atransaction system 134, and a location system 136. Input/outputinterface 132 may include for example, I/O devices, which may beconfigured to provide input and/or output to providing party system 130(e.g., keyboard, mouse, display, speakers, printers, modems, networkcards, etc.). Input/output interface 132 also may include antennas,network interfaces that may provide or enable wireless and/or wire linedigital and/or analog interface to one or more networks, such as network110, over one or more network connections, a power source that providesan appropriate alternating current (AC) or direct current (DC) to powerone or more components of providing party system 130, and a bus thatallows communication among the various components of providing partysystem 130. Input/output interface 132 may include a display, which mayinclude for example output devices, such as a printer, display screen(e.g., monitor, television, and the like), speakers, projector, and thelike. Although not shown, each providing party system 130 may includeone or more encoders and/or decoders, one or more interleavers, one ormore circular buffers, one or more multiplexers and/or de-multiplexers,one or more permuters and/or depermuters, one or more encryption and/ordecryption units, one or more modulation and/or demodulation units, oneor more arithmetic logic units and/or their constituent parts, and thelike.

Transaction system 134 may include various hardware and softwarecomponents to communicate between a merchant, acquisition system,account provider system, and/or a user device to process a transaction,such as a user purchase. Location system 136 may include varioushardware and software components, such as data storage (not shown) tostore location data associated with a transaction card (e.g., time anddate of pairing, time and date of transaction card/user device being aspecified distance apart, GPS data associated with the user device,proximity data, and the like) and cardholder data (e.g., cardholdername, address, phone number(s), email address, demographic data, and thelike). Location system 136 also may include hardware and softwarecomponents to generate transaction card reports in order to reportlocation data associated with a user device 140 and proximate dataassociated with a transaction card 120. For example, a processor maygenerate a report when the account provider system receives anotification that a user device 140 and transaction card 120 are greaterthan a specified distance apart. The report may include a time and dateassociated with the notification and/or GPS data associated with theuser device 140 (e.g., address data, map display, longitude/latitudecomponents, and the like).

A user device 140 may be any device capable communicating usingBluetooth technology with a transaction card 120 and execute variousfunction to transmit and receive proximity data (e.g., a proximity ofthe transaction card 120 to the user device 140) associated with thetransaction card 120. Proximity data may include, for example, anexistence of a connection, signal strength associated with theconnection, response time data, and the like.

For example, user device 140 could be an iPhone, iPod, iPad from Apple®or any other mobile device running Apple's iOS operating system, anydevice running Google's Android® operating system, including, forexample, smartphones running the Android® operating system and otherwearable mobile devices, such as Google Glass or Samsung Galaxy GearSmartwatch, any device running Microsoft's Windows® Mobile operatingsystem, and/or any other smartphone or like device.

User device 140 may include for example, an input/output interface 142,a location services application 144, and a transaction application 146.Input/output interface 142 may include a Bluetooth module or chipsetwith a Bluetooth transceiver, a chip, and an antenna. The transceivermay transmit and receive information via the antenna and an interface.The chip may include a microprocessor that stores and processesinformation specific to a piconet and provides device controlfunctionality. Device control functionality may include connectioncreation, frequency-hopping sequence selection and timing, powercontrol, security control, polling, packet processing, and the like. Thedevice control functionality and other Bluetooth-related functionalitymay be supported using a Bluetooth API provided by the platformassociated with the user device 140 (e.g., The Android platform, the iOSplatform). Using a Bluetooth API, an application stored on a user device140 (e.g., a banking application, a card location application, etc.) orthe device may be able to scan for other Bluetooth devices (e.g., aBluetooth-enabled transaction card 120), query the local Bluetoothadapter for paired Bluetooth devices, establish RFCOMM channels, connectto other devices through service discovery, transfer data to and fromother devices or a transaction card 120, and manage multipleconnections. A Bluetooth API used in the methods, systems, and devicesdescribed herein may include an API for Bluetooth Low Energy (BLE) toprovide significantly lower power consumption and allow a user device140 to communicate with BLE devices that have low power requirements,such as transaction card 120.

Input/output interface 142 may include for example, I/O devices, whichmay be configured to provide input and/or output to user device 140(e.g., keyboard, mouse, display, speakers, printers, modems, networkcards, etc.). Input/output interface 142 also may include antennas,network interfaces that may provide or enable wireless and/or wire linedigital and/or analog interface to one or more networks, such as network110, over one or more network connections, a power source that providesan appropriate alternating current (AC) or direct current (DC) to powerone or more components of user device 140, and a bus that allowscommunication among the various components of user device 140.Input/output interface 142 may include a display, which may include forexample output devices, such as a printer, display screen (e.g.,monitor, television, and the like), speakers, projector, and the like.Although not shown, each user device 140 may include one or moreencoders and/or decoders, one or more interleavers, one or more circularbuffers, one or more multiplexers and/or de-multiplexers, one or morepermuters and/or depermuters, one or more encryption and/or decryptionunits, one or more modulation and/or demodulation units, one or morearithmetic logic units and/or their constituent parts, and the like.

Input/output interface 142 may also include an NFC antenna and secureelement (SE). The SE may be a hardware chip specially designed to betamper proof. In one embodiment, the SE may be used for digitally andphysically secure storage of sensitive data, including transaction carddata, payment data, health records, car key identifiers, etc. The SEmay, for example, store information related to a person, customer,financial institution, or other entity. The SE may store informationrelated to a financial account, such as, for example, transaction carddata (e.g., proximity data, a credit card number, debit account number,or other account identifier). The SE may include a computer processor orother computational hardware or software. As one example, the secureelement may contain the Visa® and MasterCard® applications for PayWave®and PayPass® transactions. A secure element may take the form of auniversal integrated circuit card (UICC) and/or a microSD card. A UICCmay identify a user to a wireless operator, store contacts, enablesecure connections, and add new applications and services, such as alocation module.

Input/output interface 142 may enable Industry Standard NFC PaymentTransmission. For example, the input/output interface 142 may enable twoloop antennas to form an air-core transformer when placed near oneanother by using magnetic induction. Input/output interface 142 mayoperate at 13.56 MHz or any other acceptable frequency. Also,input/output interface 142 may provide for a passive communication mode,where the initiator device provides a carrier field, permitting answersby the target device via modulation of existing fields. Additionally,input/output interface 142 also may provide for an active communicationmode by allowing alternate field generation by the initiator and targetdevices.

Input/output interface 142 may deactivate the RF field while awaitingdata. The attachment may use Miller-type coding with varyingmodulations, including 100% modulation. The attachment may also useManchester coding with varying modulations, including a modulation ratioof 10%. Additionally, the attachment may be capable of receiving andtransmitting data at the same time, as well as checking for potentialcollisions when the transmitted signal and received signal frequenciesdiffer.

Input/output interface 142 may be capable of utilizing standardizedtransmission protocols, for example but not by way of limitation,ISO/IEC 14443 A/B, ISO/IEC 18092, MiFare, FeliCa, tag/smartcardemulation, and the like. Also, input/output interface 142 may be able toutilize transmission protocols and methods that are developed in thefuture using other frequencies or modes of transmission. Input/outputinterface 142 may also be backwards-compatible with existing techniques,for example RFID. Also, the system may support transmission requirementsto meet new and evolving standards including internet based transmissiontriggered by NFC.

Location services application 144 may cooperate with input/outputinterface 142 to generate and receive location data and proximity dataassociated with a transaction card 120. For example, location module mayinclude various hardware and software components such as a processor anddata storage to store transaction card data (e.g., distance dataindicating a calculated distance between a user device and a transactioncard or proximity data, time and date data associated with distancedata, purchase data, and the like) and cardholder data (e.g., cardholdername, address, phone number(s), email address, demographic data, and thelike). Location services application 144 may also generate and storelocation data associated with the user device 140. For example, locationdata may include GPS data, electro-magnetic field data, IP address data,and the like. In this manner, a user device 140 location servicesapplication 144 may be able to generate a report indicating the locationof a user device over a specified period of time (e.g., a number ofhours, a number of minutes, a number of days and the like) to illustratepossible locations for a transaction card based on where the user device140 has been located. This location data may also be transmitted to anaccount provider system 130 for storage so that an account providersystem may generate a similar report on-demand.

Location services application 144 may also request and receive proximitydata using BLE from a transaction card 120 indicating a proximity of thetransaction card 120 to the user device 140. Proximity data may include,for example, an existence of a connection, signal strength associatedwith the connection, response time data, and the like. For example,where a user device 140 and the transaction card 120 are greater than aspecified distance apart from each other, the user device 140 may nolonger receive connection data associate with the transaction card 120,may receive poor signal strength data associated with the transactioncard 120, may receive a specific response time associated with a ping tothe transaction card 120, and, in response may receive and/or generate anotification. The notification may be in the form of, for example, apush notification, a text message, a voice message, and the like. Inthis manner, the transaction card 120 acts as a beacon using a Bluetoothconnection to tell the user device 140 a proximate location of thetransaction card 120 to the user device 140.

In this manner, a location module may receive data from user device 140indicating that a transaction card 120 outside of a specified distanceis still approved for transaction usage. For example, where a parent orspouse provides a credit card to a child or spouse, respectively, foruse, the user device associated with the account holder (e.g., parent orspouse) may receive an alert that the transaction card is outside aspecified distance. The account holder may authorize the transactioncard to be outside the specified distance for a period of time or untilthe account holder indicates otherwise on the user device 140. Such anauthorization may be relayed to an account provider for storage withtransaction data. In this fashion, a transaction card 120 may be“blocked” or “unblocked” based on input received at the user device 140.

Location services application 144 also may include hardware and softwarecomponents to generate and/or receive notifications indicating thattransaction card data (e.g., proximity data) associated with atransaction card 120 indicates that the transaction card is outside aspecified distance from a user device 140. For example, a user device140 may generate a notification based on the transaction card data(e.g., proximity data received via a BLE connection) and transmit thenotification to the account provider system 130 and/or may receive anotification from a third party device associated with a Bluetooth meshnetwork.

Transaction services application 144 may include various hardware andsoftware components, such as data storage and a processor that may workwith input/output interface 142 to communicate between a merchant,acquisition system, account provider system, and/or a user device toprocess a transaction, such as a user purchase.

User device 140 may also include various software components tofacilitate locating the proximity of a transaction card 120. Forexample, user device 140 may include an operating system such as, forexample, the iOS operating system from Apple, the Google Androidoperating system, and the Windows Mobile operating system fromMicrosoft. User device 140 may also include, without limitation,software applications such as mobile banking applications and mappingapplications to facilitate locating a transaction card 120, an NFCapplication programming interface, and software to enable touchsensitive displays. Mobile device manufacturers may provide softwarestacks or Application Programming Interfaces (APIs) which allow softwareapplications to be written on top of the software stacks. For example,mobile device manufacturers may provide, without limitation, a cardemulation API to enable NFC card emulation mode, a logic link controlprotocol (LLCP) API for peer-to-peer communication between mobiledevices, a Bluetooth API supporting BLE, and a real-time data (RTD) APIand a NFC Data Exchange Format (NDEF) API for reading/writing.

Software application on user device 140, such as mobile bankingapplications and applications associated with a transaction card 120,may include card on/off features that allow a cardholder associated witha user device 140 to enable and disable a transaction card. For example,when a user device 140 alerts a card holder that a transaction card 120is outside a specified range, a card holder may use, for example, amobile banking application stored on a user device 140 to disable thetransaction card. If a transaction card is then located, a card holdermay use, for example, a mobile banking application stored on a userdevice 140 to enable the transaction card 120. Also, the softwareapplication may respond to a notification based on data received at auser device 140 using BLE indicating a transaction card 120 is outside aspecified distance from the user device 140 and disable the transactioncard 120 automatically and enable the transaction card 120 when it iswithin a specified range of the user device 140. These features may beenabled or disabled using setting associated with a user device 140and/or a software application.

Merchant system 150 may include, among other components, a PoS device(not shown), an input/output interface 152, and an authorization system154. PoS device may include a variety of readers to read transactiondata associated with a transaction taking place with a merchant. PoSdevice may include various hardware and/or software components requiredto conduct and process transaction. Merchant system 150 may also includedata storage (not shown) to store transaction data and/or approval ofcharges between an cardholder and the merchant associated

An input/output interface 152 may include, for example, a transceiver,modems, network interfaces, buses, CD-ROM, keyboard, mouse, microphone,camera, touch screen, printers, USB flash drives, speakers, and/or anyother device configured to receive and transmit electronic data.Input/output interface 152 may include for example, I/O devices, whichmay be configured to provide input and/or output to and/or from merchantsystem 150 (e.g., keyboard, mouse, display, speakers, printers, modems,network cards, etc.). Input/output interface 152 also may includeantennas, network interfaces that may provide or enable wireless and/orwire line digital and/or analog interface to one or more networks, suchas network 110, over one or more network connections, a power sourcethat provides an appropriate alternating current (AC) or direct current(DC) to power one or more components of merchant system 150, and a busthat allows communication among the various components of merchantsystem 150. Input/output interface 152 may include a display, which mayinclude for example output devices, such as a printer, display screen(e.g., monitor, television, and the like), speakers, projector, and thelike. Although not shown, merchant system 150 may include one or moreencoders and/or decoders, one or more interleavers, one or more circularbuffers, one or more multiplexers and/or de-multiplexers, one or morepermuters and/or depermuters, one or more encryption and/or decryptionunits, one or more modulation and/or demodulation units, one or morearithmetic logic units and/or their constituent parts, and the like.Authorization system 154 may include various software and/or hardwarecomponent to enable authorization of a transaction at a merchant systemusing, for example, a PoS device.

FIG. 2 depicts an example system used in locating a transaction card.The example system 200 in FIG. 2 may enable a financial institution, forexample, to provide network services to its cardholders, and may includeproviding lost or misplaced transaction card data to a user device. Asshown in FIG. 2, system 200 may include a user device 202, a network204, a front-end controlled domain 206, a back-end controlled domain212, and a backend 218. Front-end controlled domain 206 may include oneor more load balancers 208 and one or more web servers 210. Back-endcontrolled domain 212 may include one or more load balancers 214 and oneor more application servers 216.

User device 202 may be a network-enabled computer. As referred toherein, a network-enabled computer may include, but is not limited to:e.g., any computer device, or communications device including, e.g., aserver, a network appliance, a personal computer (PC), a workstation, amobile device, a phone, a handheld PC, a personal digital assistant(PDA), a thin client, a fat client, an Internet browser, or otherdevice. The one or more network-enabled computers of the example system200 may execute one or more software applications to enable, forexample, network communications.

User device 202 also may be a mobile device. For example, a mobiledevice may include an iPhone, iPod, iPad from Apple® or any other mobiledevice running Apple's iOS operating system, any device running Google'sAndroid® operating system, including for example, Google's wearabledevice, Google Glass, any device running Microsoft's Windows® Mobileoperating system, and/or any other smartphone or like wearable mobiledevice. Cardholder device 202 also may be similar to cardholder device120 as shown and described in FIG. 1.

Network 204 may be one or more of a wireless network, a wired network,or any combination of a wireless network and a wired network. Forexample, network 204 may include one or more of a fiber optics network,a passive optical network, a cable network, an Internet network, asatellite network, a wireless LAN, a Global System for MobileCommunication (GSM), a Personal Communication Service (PCS), a PersonalArea Networks, (PAN), D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11b,802.15.1, 802.11n, and 802.11g or any other wired or wireless networkfor transmitting and receiving a data signal.

In addition, network 204 may include, without limitation, telephonelines, fiber optics, IEEE Ethernet 902.3, a wide area network (WAN), alocal area network (LAN) or a global network such as the Internet. Also,network 204 may support an Internet network, a wireless communicationnetwork, a cellular network, or the like, or any combination thereof.Network 204 may further include one network, or any number of exampletypes of networks mentioned above, operating as a stand-alone network orin cooperation with each other. Network 204 may utilize one or moreprotocols of one or more network elements to which they arecommunicatively couples. Network 204 may translate to or from otherprotocols to one or more protocols of network devices. Although network204 is depicted as a single network, it should be appreciated thataccording to one or more embodiments, network 204 may comprise aplurality of interconnected networks, such as, for example, theInternet, a service provider's network, a cable television network,corporate networks, and home networks.

Front-end controlled domain 206 may be implemented to provide securityfor backend 218. Load balancer(s) 208 may distribute workloads acrossmultiple computing resources, such as, for example computers, a computercluster, network links, central processing units or disk drives. Invarious embodiments, load balancer(s) 210 may distribute workloadsacross, for example, web server(S) 216 and/or backend 218 systems. Loadbalancing aims to optimize resource use, maximize throughput, minimizeresponse time, and avoid overload of any one of the resources. Usingmultiple components with load balancing instead of a single componentmay increase reliability through redundancy. Load balancing is usuallyprovided by dedicated software or hardware, such as a multilayer switchor a Domain Name System (DNS) server process.

Load balancer(s) 208 may include software that monitoring the port whereexternal clients, such as, for example, cardholder device 202, connectto access various services of a financial institution, for example. Loadbalancer(s) 208 may forward requests to one of the application servers216 and/or backend 218 servers, which may then reply to load balancer208. This may allow load balancer(s) 208 to reply to cardholder device202 without cardholder device 202 ever knowing about the internalseparation of functions. It also may prevent cardholder devices fromcontacting backend servers directly, which may have security benefits byhiding the structure of the internal network and preventing attacks onbackend 218 or unrelated services running on other ports, for example.

A variety of scheduling algorithms may be used by load balancer(s) 208to determine which backend server to send a request to. Simplealgorithms may include, for example, random choice or round robin. Loadbalancers 208 also may account for additional factors, such as aserver's reported load, recent response times, up/down status(determined by a monitoring poll of some kind), number of activeconnections, geographic location, capabilities, or how much traffic ithas recently been assigned.

Load balancers 208 may be implemented in hardware and/or software. Loadbalancer(s) 208 may implement numerous features, including, withoutlimitation: asymmetric loading; Priority activation: SSL Offload andAcceleration; Distributed Denial of Service (DDoS) attack protection;HTTP/HTTPS compression; TCP offloading; TCP buffering; direct serverreturn; health checking; HTTP/HTTPS caching; content filtering;HTTP/HTTPS security; priority queuing; rate shaping; content-awareswitching; client authentication; programmatic traffic manipulation;firewall; intrusion prevention systems.

Web server(s) 210 may include hardware (e.g., one or more computers)and/or software (e.g., one or more applications) that deliver webcontent that can be accessed by, for example a client device (e.g.,cardholder device 202) through a network (e.g., network 204), such asthe Internet. In various examples, web servers, may deliver web pages,relating to, for example, online banking applications and the like, toclients (e.g., cardholder device 202). Web server(s) 210 may use, forexample, a hypertext transfer protocol (HTTP/HTTPS or sHTTP) tocommunicate with cardholder device 202. The web pages delivered toclient device may include, for example, HTML documents, which mayinclude images, style sheets and scripts in addition to text content.

A user agent, such as, for example, a web browser, web crawler, ornative mobile application, may initiate communication by making arequest for a specific resource using HTTP/HTTPS and web server 210 mayrespond with the content of that resource or an error message if unableto do so. The resource may be, for example a file on stored on backend218. Web server(s) 210 also may enable or facilitate receiving contentfrom cardholder device 202 so cardholder device 202 may be able to, forexample, submit web forms, including uploading of files.

Web server(s) also may support server-side scripting using, for example,Active Server Pages (ASP), PHP, or other scripting languages.Accordingly, the behavior of web server(s) 210 can be scripted inseparate files, while the actual server software remains unchanged.

Load balancers 214 may be similar to load balancers 208 as describedabove.

Application server(s) 216 may include hardware and/or software that isdedicated to the efficient execution of procedures (e.g., programs,routines, scripts) for supporting its applied applications. Applicationserver(s) 216 may comprise one or more application server frameworks,including, for example, Java application servers (e.g., Java platform,Enterprise Edition (Java EE), the NET framework from Microsoft®, PHPapplication servers, and the like). The various application serverframeworks may contain a comprehensive service layer model. Also,application server(s) 216 may act as a set of components accessible to,for example, a financial institution, or other entity implementingsystem 200, through an API defined by the platform itself. For Webapplications, these components may be performed in, for example, thesame running environment as web server(s) 210, and application servers216 may support the construction of dynamic pages. Application server(s)216 also may implement services, such as, for example, clustering,fail-over, and load-balancing. In various embodiments, where applicationserver(s) 216 are Java application servers, the web server(s) 216 maybehaves like an extended virtual machine for running applications,transparently handling connections to databases associated with backend218 on one side, and, connections to the Web client (e.g., client device202) on the other.

Backend 218 may include hardware and/or software that enables thebackend services of, for example, a financial institution or otherentity that maintains a distributed system similar to system 200. Forexample, backend 218 may include, a system of record, online bankingapplications, a rewards platform, a payments platform, a lendingplatform, including the various services associated with, for example,auto and home lending platforms, a statement processing platform, one ormore platforms that provide mobile services, one or more platforms thatprovide online services, a card provisioning platform, a general ledgersystem, and/or a location system, which may include additionalcapabilities, such as transaction card data generation and provision toenable the location, proximity, or a transaction card and/ortransmission of lost or misplaced transaction card data. Backend 218 maybe associated with various databases, including account databases thatmaintain, for example, cardholder information (e.g., demographic data,credit data, cardholder profile data, and the like), transaction carddatabases that maintain transaction card data (e.g., transactionhistory, user device location associated with transaction, locationdata, proximity data representing a distance between transaction cardand user device, approved “lost mode” override time and dateinformation, and the like), and the like. Backend 218 also may beassociated with one or more servers that enable the various servicesprovided by system 200. Backend 218 may enable a financial institutionto implement various functions associated with reprogramming atransaction card as shown and described herein.

FIG. 3 depicts an example method 300 employed by the system componentsdescribed herein to use a bluetooth connection to locate abluetooth-enabled transaction card, similar to, for example, transactioncard 120 and/or 410. Method 300 may begin at 302.

In block 304, a transaction card, similar to transaction card 120 and/or410, may be paired using Bluetooth technology to a user device, similarto user device 140. A Bluetooth-enabled device may include thecapabilities to establish a link between a card and the device (or pairthe devices) using device settings (e.g., iOS or Android settings thatmanage Bluetooth connections, such as BLE connections) and/or mobileapplication(s) associated with the card issuer that can cooperate withthe device controls to manage a Bluetooth connection with the card. Forexample, the device and card may enter a connection state from theinitiating state or advertising state. In so doing, the master and slaveroles of the device and card will be defined. Before entering theconnection state, the card and/or device may be in an advertising orinitiating state. In this example, a link layer (LL) of the device maysupport multiple state machines to support various combinations ofstates and roles. Also, the connection state may be entered when therespective transceiver of the card and device are tuned to the same RFchannel at the same time. FIG. 5 depicts an example system and method500 for initiating a connection between a device 501 and card 502 andthe respective link layers 503, 504. FIG. 6 also depicts an examplesystem and method 600 for initiating a connection between a device 601and card 602 and the respective link layers 603, 604 with privacy.

Once paired, each paired device (e.g., transaction card and user device)may transmit and/or receive data, such as location data (block 306).FIG. 7 depicts an example system and method 700 for sending data betweendevice 701 and card 700 using the respective link layers 703, 704.Proximity data may include, for example, data representing a proximityof the transaction card to the user device. For example, proximity datamay include an existence of a connection, signal strength associatedwith the connection, response time data, and the like. A proximity of atransaction card in relation to a user device may be calculated based onthe proximity data. For example, where a user device 140 and thetransaction card 120 are greater than a specified distance apart fromeach other, the user device 140 may no longer receive connection dataassociate with the transaction card 120, may receive poor signalstrength data associated with the transaction card 120, may receive aspecific response time associated with a ping to the transaction card120, and, in response may receive and/or generate a notification. Invarious embodiments, connection parameters associated with the Bluetoothconnection also may be used to determine proximity and connectionstatus. The notification may be in the form of, for example, a pushnotification, a text message, a voice message, and the like. In thismanner, the transaction card 120 acts as a beacon using a Bluetoothconnection to tell the user device 140 a proximate location of thetransaction card 120 to the user device 140.

The transmission and receipt of data may be over a short range wirelesslink (e.g., 30 to 300 foot radius). In order to transmit and/or receivedata, each Bluetooth-enabled device may include a location moduleincluding a Bluetooth chipset and a Bluetooth transceiver, where thechip includes a microprocessor to provide functionality associated withdevice control and the piconet, or the network created using wirelessBluetooth connection.

A user device may continuously receive proximity data from aBluetooth-enabled transaction card or may receive proximity data atpredefined intervals (e.g., any number of second, minutes, or hours).The predefined intervals may be controlled via a user device and/or anaccount provider system. Upon the receipt of proximity data from atransaction card, a user device may calculate if the proximity dataindicates that the transaction card is greater than a specified distancefrom the user device (block 308). Connection parameters also may be usedto determine whether the card and device maintain a connection. Thespecified distance may be a maximum Bluetooth network distance or adistance less than the maximum Bluetooth network distance. For example,where the Bluetooth network distance is 300 feet, a specified distancemay be 200 feet.

At block 310, a notification may be generated on the user device basedon the proximity data received from the transaction card. For example, anotification may indicate an approximate distance from the transactioncard, or simply that the user device is outside the specified distancefrom the transaction card. Where a transaction card is within the rangeof a specified distance notification may not be generated.

At block 312, the notification may be transmitted to an account providersystem along with proximity data and/or location data. For example,where a notification indicates an approximate distance from thetransaction card, or simply that the user device is outside thespecified distance from the transaction card, the notification alongwith proximity data and/or location data associated with the user devicemay be transmitted. In this manner, the account provider system maystore data associated with where a user device was located at the timethe transaction card was lost or misplaced. Notifications and alerts maybe provided in the form of a push notification, a text, a voice message,and/or application notification such as those associated with mobilebanking applications. In various embodiments, locating a transactioncard could be provided with the assistance of a network environment,such as a Bluetooth network and/or a Bluetooth mesh network environment.Notifications may include a selection for next steps, such asdisabling/enabling a transaction card, asking a user if the user wouldnot like to be notified about the transaction card proximity data for auser-defined period of time (any number of minutes, hours, days, etc.),asking a user if the user would not like to be notified about thetransaction card proximity data until the transaction card is used toprocess a transaction, and the like.

At block 314, a user device may receive next step instructions inresponse to the notification based on proximity data. For example, nextstep instruction may include an indication that a transaction cardoutside of a specified distance is still approved for transaction usage,an indication that a transaction card is to be disabled for further use,a response to stop sending notifications for a specified amount of time(e.g., a number of minutes or hours), a request for a report indicatingvarious proximity, location, and transaction data associated with theuser device and transaction card, and the like.

For example, an indication that a transaction card outside a specifieddistance is still approved for transaction usage may occur where aparent or spouse provides a credit card to a child or spouse,respectively, for use, the user device associated with the accountholder (e.g., parent or spouse) may receive an alert that thetransaction card is outside a specified distance. The account holder mayauthorize the card to be outside the specified distance for a period oftime or until the account holder indicates otherwise on the user device.In this fashion, a transaction card may be “blocked” or “unblocked”based on input received at the user device.

As another example, an indication that a transaction card is to bedisabled for further use may be received when a user has lost ormisplaced a transaction card and wishes to disable the card until it isfound or replaced. An indication that a transaction card is to bedisabled may be automatically generated by a user device or accountprovider system and received at the account provider system when thetransaction card is outside a specified range away from a user device.An indication that a card is to be disabled may put a transaction cardin “lost mode.” While in “lost mode,” a transaction card with a dynamicdisplay may display a message from an account holder, such as contactinformation associated with the account holder. Looking at FIG. 4, asystem 400 with a Bluetooth-enabled card 410 may include a transactioncard data display 416. Accordingly, either based on data received from auser device 420 and/or based on a missing Bluetooth connection 430 froma user device, the transaction card data display 416 may displaypredefined data and/or data received from a user device. The transactioncard data may include data received via an antenna 414 and stored in amicroprocessor 412.

A response to stop sending notifications for a specified amount of time(e.g., a number of minutes or hours) may be received when a card holderis at an establishment (e.g., restaurant, bar, or the like) and theaccount holder provides the establishment with the transaction card forprocessing and/or safe holding (e.g., an account holder desires to holda tab open at a bar and the bar maintains control of the transactioncard). In this manner, a user device may limit the number ofnotifications received by limiting the time between proximity datarequests from the transaction card. A request for a report indicatingvarious proximity, location, and transaction data associated with theuser device and transaction card may be received, for example, when auser has lost or misplaced a transaction card and desires to obtaininformation associated with recent transactions and/or proximity dataand/or location data associated with the transaction card and/or userdevice.

At block 316, a user device may transmit the instruction response to anaccount provider system, third party system, and/or display associatedwith the user device. In this manner, an account provider or third partysystem may generate requested data and/or store the transmitted data forfuture requests and/or reports. Additionally, a user device may displayany requested data available on the user device.

At block 318, a user device and/or account provider system may determinea transaction card status based on the next step instructions (e.g.,card blocked, card unblocked, card active, card cancelled, and thelike). Accordingly, up-to-date transaction card status data may bemaintained.

At block 320, the method may end. These examples are merely illustrativeand transaction cards may be reprogrammed according to any datadescribed herein.

It is further noted that the systems and methods described herein may betangibly embodied in one of more physical media, such as, but notlimited to, a compact disc (CD), a digital versatile disc (DVD), afloppy disk, a hard drive, read only memory (ROM), random access memory(RAM), as well as other physical media capable of storing software, orcombinations thereof. Moreover, the figures illustrate variouscomponents (e.g., servers, computers, processors, etc.) separately. Thefunctions described as being performed at various components may beperformed at other components, and the various components bay becombined or separated. Other modifications also may be made.

The present disclosure is not to be limited in terms of the particularembodiments described in this application, which are intended asillustrations of various aspects. Many modifications and variations canbe made without departing from its spirit and scope, as may be apparent.Functionally equivalent methods and apparatuses within the scope of thedisclosure, in addition to those enumerated herein, may be apparent fromthe foregoing representative descriptions. Such modifications andvariations are intended to fall within the scope of the appendedrepresentative claims. The present disclosure is to be limited only bythe terms of the appended representative claims, along with the fullscope of equivalents to which such representative claims are entitled.It is also to be understood that the terminology used herein is for thepurpose of describing particular embodiments only, and is not intendedto be limiting.

With respect to the use of substantially any plural and/or singularterms herein, those having skill in the art can translate from theplural to the singular and/or from the singular to the plural as isappropriate to the context and/or application. The varioussingular/plural permutations may be expressly set forth herein for sakeof clarity.

It may be understood by those within the art that, in general, termsused herein, and especially in the appended claims (e.g., bodies of theappended claims) are generally intended as “open” terms (e.g., the term“including” should be interpreted as “including but not limited to,” theterm “having” should be interpreted as “having at least,” the term“includes” should be interpreted as “includes but is not limited to,”etc.). It may be further understood by those within the art that if aspecific number of an introduced claim recitation is intended, such anintent may be explicitly recited in the claim, and in the absence ofsuch recitation no such intent is present. For example, as an aid tounderstanding, the following appended claims may contain usage of theintroductory phrases “at least one” and “one or more” to introduce claimrecitations. However, the use of such phrases should not be construed toimply that the introduction of a claim recitation by the indefinitearticles “a” or “an” limits any particular claim containing suchintroduced claim recitation to embodiments containing only one suchrecitation, even when the same claim includes the introductory phrases“one or more” or “at least one” and indefinite articles such as “a” or“an” (e.g., “a” and/or “an” should be interpreted to mean “at least one”or “one or more”); the same holds true for the use of definite articlesused to introduce claim recitations. In addition, even if a specificnumber of an introduced claim recitation is explicitly recited, suchrecitation should be interpreted to mean at least the recited number(e.g., the bare recitation of “two recitations,” without othermodifiers, means at least two recitations, or two or more recitations).Furthermore, in those instances where a convention analogous to “atleast one of A, B, and C, etc.” is used, in general such a constructionis intended in the sense one having skill in the art would understandthe convention (e.g., “a system having at least one of A, B, and C”would include but not be limited to systems that have A alone, B alone,C alone, A and B together, A and C together, B and C together, and/or A,B, and C together, etc.). In those instances where a conventionanalogous to “at least one of A, B, or C, etc.” is used, in general sucha construction is intended in the sense one having skill in the artwould understand the convention (e.g., “a system having at least one ofA, B, or C” would include but not be limited to systems that have Aalone, B alone, C alone, A and B together, A and C together, B and Ctogether, and/or A, B, and C together, etc.). It may be furtherunderstood by those within the art that virtually any disjunctive wordand/or phrase presenting two or more alternative terms, whether in thedescription, claims, or drawings, should be understood to contemplatethe possibilities of including one of the terms, either of the terms, orboth terms. For example, the phrase “A or B” may be understood toinclude the possibilities of “A” or “B” or “A and B.”

The foregoing description, along with its associated embodiments, hasbeen presented for purposes of illustration only. It is not exhaustiveand does not limit the invention to the precise form disclosed. Thoseskilled in the art may appreciate from the foregoing description thatmodifications and variations are possible in light of the aboveteachings or may be acquired from practicing the disclosed embodiments.For example, the steps described need not be performed in the samesequence discussed or with the same degree of separation. Likewisevarious steps may be omitted, repeated, or combined, as necessary, toachieve the same or similar objectives. Accordingly, the invention isnot limited to the above-described embodiments, but instead is definedby the appended claims in light of their full scope of equivalents.

In the preceding specification, various preferred embodiments have beendescribed with references to the accompanying drawings. It may, however,be evident that various modifications and changes may be made thereto,and additional embodiments may be implemented, without departing fromthe broader scope of the invention as set forth in the claims thatfollow. The specification and drawings are accordingly to be regarded asan illustrative rather than restrictive sense.

1. A user device comprising: an input/output interface comprising anantenna component that is paired to a Bluetooth-enabled transaction cardand receives proximity data from the transaction card via Bluetoothnetwork; a processor that generates a notification to alert a user thatthe proximity data received from the transaction card indicates that thetransaction card is greater than a specified distance from the userdevice, wherein input/output interface receives a response from the userbased on the notification, wherein the processor performs at least oneof the following based on the response: generates deactivation dataassociated with the transaction card and transmits the deactivation datausing the input/output interface to an account provider system;generates an override alert associated with the transaction card andtransmits the override alert using the input/output interface to anaccount provider system; generates a report including the proximity datareceived from the transaction card and GPS data received via a GPScomponent on the user device; and generates user-specified transactioncard display data and transmits the transaction card display data usingthe input/output interface to the transaction card to display on adynamic display; wherein the account provider system manages the accountand participates in transaction authorization associated with thetransaction card.
 2. The user device of claim 1, wherein the proximitydata received from the transaction card via Bluetooth network isBluetooth low energy data.
 3. The user device of claim 1, wherein theproximity data includes at least one of: existence of a connection,signal strength associated with the connection, response time data. 4.The user device of claim 1, wherein the specified distance isuser-specified, and wherein the user-specified distance is received onthe user device via an input/output interface comprising at least oneof: a touchscreen and a keyboard.
 5. The user device of claim 1, whereinthe specified distance is account provider-specified, and wherein theaccount provider-specified distance is received from the accountprovider system via an input/output interface on the user device.
 6. Theuser device of claim 1, wherein processor the notification is receivedvia a network and comprises at least one of: a push notification, a textmessage, a voice message, and a vibration notification.
 7. The userdevice of claim 1, further comprising a receiver to receive locationdata including at least one of: a global positioning system (GPS) data,radio signal data, electro-magnetic data, and IP address data.
 8. Theuser device of claim 1, wherein the deactivation data includes at leastone of the following: transaction card number, deactivation time,deactivation date, account holder name, and location data associatedwith the user device.
 9. The user device of claim 1, wherein theoverride alert includes at least one of the following data: transactioncard number, time, date, account holder name, and location dataassociated with the user device.
 10. The user device of claim 1, furthercomprising a display to display the generated report in a map formatmapping GPS data associated with the user device.
 11. The user device ofclaim 1, wherein the transaction card display data includes at least oneof: an account holder name, an account holder contact phone number, anda deactivation message.
 12. A Bluetooth-enabled transaction cardcomprising: a microprocessor chip storing transaction card data; and anantenna connected to the microprocessor chip, wherein the antenna:receives a pairing attempt from a user device over a Bluetooth network;establishes a Bluetooth connection with the user device; receives arequest for proximity data from the user device; transmits the proximitydata to the user device in response to the request; and receives andeactivation response from the user device indicating that thetransaction card is deactivated.
 13. The transaction card of claim 12,wherein the Bluetooth-enabled transaction card uses Bluetooth lowenergy.
 14. The transaction card of claim 12, wherein the proximity dataincludes at least one of: existence of a connection, signal strengthassociated with the connection, and response time data.
 15. Thetransaction card of claim 12, wherein the transaction card data includesat least one of: an account holder name, an account holder identifier,an account number, an account balance, a transaction history, and anaccount holder contact telephone number.
 16. The transaction card ofclaim 12, wherein the request for proximity data is from the user deviceat predefined intervals.
 17. The transaction card of claim 12, whereinthe transmitted proximity data is transmitted at predefined intervals.18. The transaction card of claim 12, wherein the transmitted proximitydata is transmitted only upon receipt of the request for proximity datafrom the user device.
 19. The transaction card of claim 12, wherein thedeactivation data includes at least one of the following: account holdername, an account holder contact phone number, and a deactivationmessage.
 20. The transaction card of claim 19, further comprising adisplay to display the deactivation data.